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There are many South Carolina down payment assistance programs currently available to SC residents. Some are government funded, and some are not; some are urban, some are rural. It all depends on a few factors such as what your total family income is, what your financial needs are and the area in which you would like to end up.

The most helpful advice is to do your diligence in research. The State Housing Finance and Development Authority (http://www.schousing.com/First-Time_Home_Buyers) has an option for first time buyers. This program offers recipients a down payment assistance of $5,000 with a 4 1/2% interest rate.

Family Services Incorportated (http://www.fsisc.org/topic.asp?pid=108) also has a down payment and closing cost assistance program which is referred to as DPCCA. Their website gives the list of available help and the requirements on how to qualify and apply for each.

The U. S. Department of Housing and Urban Development (http://portal.hud.gov/hudportal/HUD?src=/states/south_carolina/homeownership/buyingprgms) gives a list on their webpage of a number of different South Carolina down payment assistance programs with which they are affiliated with in some way. Options range from down payment assistance to community based government grants, with which individuals may have the chance to apply for assistance with through their local housing authority office. More information may be found of the website listed above. GMAC Real Estate has put together a very helpful resource (http://freedownpayment.org/SC. html) for individuals searching for South Carolina down payment assistance programs. Their website connects residents with locally based professional real estate agents who focus on helping first time home buyers match up with qualifying state, city and county funded down payment assistance programs. Credit isn’t necessarily the first thing lenders look at, especially in relation to available South Carolina down payment assistance programs. Their main focus is on making South Carolina a safer and more comfortable place to reside.

South Dakota has several down payment assistance programs that allow people to purchase homes by providing access to cash, grants, credits and loans to buy now rather than waiting for a later date. There are several programs in South Dakota with varying levels of down payment assistance. Each program has different guidelines.

People buying homes for the first time may take advantage of the South Dakota down payment assistance. Like in many other states, for first time home buyers to qualify for the program, they must have owned a property for the last three years. This is also open for all who have owned a property for the last 3 years.

Statewide Programs, for instance, the Governors House program that provide affordable homes income qualified families and individuals. The Down Payment Assistance Program in South Dakota is good news for the people who want to own a home for the first time but lack the assistance in terms of down payment and closing cost. Want to own a home in South Dakota? Try the Down Payment Assistance Program in South Dakota.

The Washington State Housing Finance Commission offers Washington down payment assistance programs to provide encouragement and bring home ownership into the reach of more people.

The most popular program is the Home Advantage DPA. This is a state wide program. With the Home Advantage DPA borrowers may qualify for 4% of the total loan amount. The assistance comes in the form of a second mortgage loan with a thirty-year term and a 0% interest rate. To qualify, the homebuyer must attend and receive a certificate from a WA State Commission sponsored homebuyer education seminar, must be able to qualify for a mortgage loan through the FHA, VA, Rural Housing Service or Conventional and have an income of under $97,000 per year.

Washington down payment assistance programs also provide opportunities for second mortgage loans that combine with Home Advantage DPA for qualified borrowers.

The HomeChoice loan combines with Home Advantage and is for qualified borrowers with a disability or has someone living with them with a disability. This loan provides up to $15,000 of assistance with a 1% interest rate. The maximum income rates vary depending on the county, with the highest qualifying income limits in King and Snohomish county at $88,200 per year.

Qualifying veterans are able to participate in the House Key Veterans Downpayment Assistance Loan Program which also combines with Home Advantage DPA. This then year loan provides up to $10,000 in assistance for first-time homebuyers with an interest rate of 3%. If the homebuyer is purchasing in a targeted or economically distressed area, then they do not need to be first-time homebuyers.

Educators and employees of community colleges, technical college and K-12 private and public schools recognized by the State of Washington are eligible to qualify for the House Key Schools for educators DPA Loan Program. This program also combines with Home Advantage with a 3% ten year loan term offering up to $10,000 in funds. This program is for first-time homebuyers unless the home being purchased is in a target area.

In addition, the Home Advantage Built New Program, House Key Plus ARCH East King County, House Key Plus Seattle and the Tacoma Downpayment Assistance combine with Home Advantage to promote purchasing residences in target areas. Each of these programs offers a different loan terms and amounts and have different qualifying incomes.

Once a homebuyer has attended the WA State Commission sponsored homebuyer education seminar, the various down payment loan assistance programs should provide encouragement and assistance in reaching the goal of home ownership.

Arizona down payment assistance programs helps potential homeowners buy their first property, without necessarily having the required down payment.

The Home in 5 Program gives you 5 per cent of the loan towards your down payment. It is however offered for residentials to be bought within Maricopa County only. You do not have to be a first-time buyer to qualify for this program, but you will need to submit paperwork to qualify.

The Home Plus Program for first time buyers. Just like the Home in 5 Program, you will have to meet credit requirements. The maximum home purchase price allowable for this program varies by county, and so you will need to check the exact amounts applicable in your county.

The Newtown Community Development Corporation has two different programs:

1. Individual Development Account – First-time home buyers only. You will receive a down payment grant of up to $15,000 dollars, and you must be within Maricopa County.

2. Community Land Trust program – With this program, you will purchase a completely renovated home at a significantly lower price. The price is lower since the land remains to be part of the Land Trust.

Maricopa County Homebuyer Assistance Program is restricted to Maricopa County. It is and administered by the Maricopa Human Services Department. It offers you up to $15,000 dollars in down payment assistance.

The Neighborhood Lift Program managed by the Neighborhood Housing Services, Phoenix.